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What to Know About Coverage for Custom ATV Parts and Accessories

Posted on by AgentInsure

At Fuhriman Insurance Agency in Boise, ID, we work with many ATV owners who have invested significant time and money in customizing their rides. Aftermarket parts and accessories can add up fast, and if something happens to your machine, you’ll want to make sure all of that investment is actually protected. The truth is that standard policies don’t always cover the extras the way most owners expect.

Stock Coverage May Not Include Your Upgrades

Most basic ATV insurance policies are based on the machine’s original factory value. If you’ve added a lift kit, custom wheels, upgraded lighting, or a winch, those additions may not be covered under a standard policy. That gap can come as a real shock when you file a claim and discover your aftermarket parts weren’t included in the payout.

What Custom Parts Coverage Actually Looks Like

Some insurers offer custom parts and equipment coverage as an add-on to your existing policy. This type of coverage is specifically designed to protect the value of your upgrades beyond what the base policy covers. You’ll typically need to document what you’ve added and what it costs, so keeping receipts and photos of your build is a smart habit to develop early on.

Protect What You Have Built

If you’ve invested in making your ATV your own, it only makes sense to protect that investment the right way. Reviewing your policy to see what’s covered and what isn’t gives you a clear picture of where you stand before something goes wrong.

Reach out to Fuhriman Insurance Agency in Boise, ID, today, and let us help you find the right toy insurance coverage.

Are Customized Vehicles Covered Under Toy Insurance?

Posted on by AgentInsure

Acquiring toy insurance is a surefire way to protect your toy vehicles and other RVs that you may take out every now and again. But as with any other kind of vehicle and insurance, it’s important to know what you’re purchasing and what degree of coverage you actually receive. For example, if you purchase toy insurance, will your toy insurance cover any toys that have been customized, or will you only receive coverage up to the amount of the original vehicle’s cost? Let’s take a look at what coverage will look like under toy insurance, and how you can find the right toy insurance policy with us at Fuhriman Insurance Agency, serving the Boise, ID area. 

Will Toy Insurance Cover Customized Toy Vehicles?

As with most insurance policies, toy insurance is only going to cover the replacement value of the actual vehicle. This means that you’re covered up to however much the vehicle costs when you initially purchase it. Any further customizations won’t be covered since they naturally raise the cost of the vehicle. That being said, you aren’t out of luck if you decide to customize your toy vehicle and need coverage to protect it. You can easily get add-ons that will help you cover customizations so that you have further coverage you wouldn’t otherwise have with a traditional toy insurance policy. Reach out to your desired policy provider to learn more about what add-ons they offer so that you receive bespoke insurance designed around your needs. 

Discover Toy Insurance Options With Fuhriman Insurance Agency

Are you looking to protect your toy vehicle investments? If so, start here with Fuhriman Insurance Agency, serving Boise, ID. We can help you compare your options so that you get the best insurance policy at the best price.